Civic Intelligence

Midland Co-Op Credit Union

EIN 41-0764721 • 501(c)14 • Minneapolis, MN

View Organization Page

Profile

To provide the best possible financial and ancillary services to member, in good faith, and in the mutual interests of both the member and the Credit Union.

5210 Central Ave NE Suite 200Minneapolis, MN 55421

www.midlandcoopcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2021

Liabilities / Revenue

95th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2021

Net Margin

75th percentile

-17%

Higher net margin than 75% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2020 to 2021

Revenue Growth

73rd percentile

-18%

Faster revenue growth than 73% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $10,757,852 (-100%) from 2020

Liabilities

Down

$0

Down $9,717,688 (-100%) from 2020

Net Assets

Down

$0

Down $1,040,164 (-100%) from 2020

Operations
Liabilities / Revenue95th percentileNet Margin75th percentile

Revenue

Down

$233,664

Down $51,934 (-18%) from 2020

Expenses

Down

$273,148

Down $8,032 (-2.9%) from 2020

Net Income

Down

-$39,484

Down $43,902 (-994%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $10,213,842Liabilities 2010: $9,134,243Net Assets 2010: $1,079,5992010Assets 2011: $10,167,387Liabilities 2011: $9,112,884Net Assets 2011: $1,054,5032011Assets 2012: $10,243,322Liabilities 2012: $9,197,030Net Assets 2012: $1,046,2922012Assets 2013: $10,056,650Liabilities 2013: $9,025,311Net Assets 2013: $1,031,3392013Assets 2014: $10,323,318Liabilities 2014: $9,296,493Net Assets 2014: $1,026,8252014Assets 2015: $10,045,848Liabilities 2015: $9,023,507Net Assets 2015: $1,022,3412015Assets 2016: $9,949,333Liabilities 2016: $8,924,052Net Assets 2016: $1,025,2812016Assets 2017: $9,654,491Liabilities 2017: $8,625,586Net Assets 2017: $1,028,9052017Assets 2018: $9,566,961Liabilities 2018: $8,532,581Net Assets 2018: $1,034,3802018Assets 2019: $9,309,849Liabilities 2019: $8,274,103Net Assets 2019: $1,035,7462019Assets 2020: $10,757,852Liabilities 2020: $9,717,688Net Assets 2020: $1,040,1642020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2021

Assets$0
Liabilities$0
Net Assets$0
Open 2021 Filing

Operations Trend

Revenue Growth73rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$200K$0-$200KExpenses 2010: $386,1572010Expenses 2011: $318,7692011Expenses 2012: $275,2142012Revenue 2013: $245,656Expenses 2013: $260,611Net Income 2013: -$14,9552013Revenue 2014: $244,431Expenses 2014: $248,945Net Income 2014: -$4,5142014Revenue 2015: $241,755Expenses 2015: $246,239Net Income 2015: -$4,4842015Revenue 2016: $245,964Expenses 2016: $243,024Net Income 2016: $2,9402016Revenue 2017: $258,669Expenses 2017: $255,045Net Income 2017: $3,6242017Revenue 2018: $284,790Expenses 2018: $279,315Net Income 2018: $5,4752018Revenue 2019: $314,309Expenses 2019: $312,943Net Income 2019: $1,3662019Revenue 2020: $285,598Expenses 2020: $281,180Net Income 2020: $4,4182020Revenue 2021: $233,664Expenses 2021: $273,148Net Income 2021: -$39,4842021

Highlighted filing

2021

Revenue$233,664
Expenses$273,148
Net Income-$39,484
Open 2021 Filing

Filings

Most recent year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$233,664
Expenses
$273,148
Net income
-$39,484
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.23$0.27$0.04
2020Detailed filing. Detailed filing data is available for this year.$10.8$9.72$1.04$0.29$0.28$0.00
2019Detailed filing. Detailed filing data is available for this year.$9.31$8.27$1.04$0.31$0.31$0.00
2018Detailed filing. Detailed filing data is available for this year.$9.57$8.53$1.03$0.28$0.28$0.01
2017Detailed filing. Detailed filing data is available for this year.$9.65$8.63$1.03$0.26$0.26$0.00
2016Detailed filing. Detailed filing data is available for this year.$9.95$8.92$1.03$0.25$0.24$0.00
2015Detailed filing. Detailed filing data is available for this year.$10.0$9.02$1.02$0.24$0.25$0.00
2014Detailed filing. Detailed filing data is available for this year.$10.3$9.30$1.03$0.24$0.25$0.00
2013Detailed filing. Detailed filing data is available for this year.$10.1$9.03$1.03$0.25$0.26$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.2$9.20$1.05$0.28
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.2$9.11$1.05$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.2$9.13$1.08$0.39
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Oct 31, 2021
Signed
Feb 22, 2022
Return Version
2021v4.0
Gross Receipts
$233,664
Mission and Program Overview

Mission

To provide the best possible financial and ancillary services to member, in good faith, and in the mutual interests of both the member and the Credit Union.

Operated for Members Mutual Benefits

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$4,341,559$0▼ $4,341,559
Other Notes and Loans Receivable, Net$3,902,543$0▼ $3,902,543
Savings and Temporary Cash Investments$2,392,330$0▼ $2,392,330
Rtn Earn Endowment Incm Other Fnds$1,040,164$0▼ $1,040,164
Land, Buildings, and Equipment, Net$11,779--
Prepaid Expenses and Deferred Charges$10,469$0▼ $10,469
Cash and Non-Interest-Bearing Accounts$5,000$0▼ $5,000
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use-$0-
Total Assets$10,757,852$0▼ $10,757,852
Other Assets Total$94,172$0▼ $94,172
Liabilities
Other Liabilities$9,702,693--
Accounts Payable and Accrued Expenses$14,995$0▼ $14,995
Total Liabilities$9,717,688$0▼ $9,717,688
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,040,164$0▼ $1,040,164
Total Liabilities and Net Assets / Fund Balance$10,757,852$0▼ $10,757,852
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rebecca LindmanManagerFT$58,582$15,155$73,737

Board Members and Trustees

NameTitle
Janet KramerPresident
John PuchtelDirector
Michelle BrazierDirector
Kathleen CareySecretary
Patricia A BrazierTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$202,153
Investment Income
$31,511
Other Revenue
$0
Change in Net Assets
$-39,484
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$181,527
Salaries, Compensation, and Employee Benefits$88,723
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$160,011
Current Officers, Directors, Trustees, and Key Employees---$55,918
Occupancy---$15,250
Other Employee Benefits---$13,339
Depreciation Depletion---$11,779
Other Salaries and Wages---$11,401
Insurance---$6,324
Payroll Taxes---$4,710
Fees for Services Accounting---$4,498
Pension Plan Contributions---$3,355
Benefits to Members---$2,898
Fees for Services Legal---$1,013
Conferences and Meetings---$797
Other Expenses---$290
Advertising---$217
Fees for Services Other---$-19,247
Total Functional Expenses$0$0$0$273,148
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Classes of members or stockholder , the association has members, most of whom are former employees and their family member of a former cooperative”

Form 990, Part VI, Section A, Line 7A

“Election of members and their rights by ballot, written notice is mailed or handed to each member at least 10 days prior to the annual meeting where the results are reported.”

Form 990, Part VI, Section A, Line 7B

“Decision subject to approval of members, decisions requiring approval by members include election of Board Members and Supervisory Committee, any amendments of the certificate of the organization and any proposed changes to the by laws”

Form 990, Part VI, Section B, Line 11B

“The 990 is completed by the staff using the financial reports review and approved by the Board of Directors and Supervisory Committee at Monthly Board Meeting”

Form 990, Part VI, Section B, Line 12C

“Enforcement of the Conflict of Interest Policy is completed and signed by all Board Members, Committee Members and Employees annually. The policy is reviewed annually.”

Form 990, Part VI, Section B, Line 15

“Compensation process for top officials is reviewed annually by the personnel committee which consists of two Board Members.”

Form 990, Part VI, Section C, Line 19

“The financial statements are posted in the lobby and are available on line by the NCUA. The quarterly report 5300 is open to the public.”

Filing and Contact Details

Filer

Filer Name
Midland Co-op Credit Union
EIN
41-0764721
Phone
7635721368
Address
5210 Central Ave NE Suite 200, Minneapolis, MN 55421

Signing Officer

Name
Rebecca Lindman
Title
Manager
Phone
7635721368
Signed
2022-02-22

Organization Details

Formed
1955
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
5
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“$865,782 transferred to Spire Credit Union in addition to $134,898 member patronage paid to membership”

Raw XML Appendix372 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
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IRS990/Form990PartVIISectionAGrp/PersonNm4John Puchtel
IRS990/Form990PartVIISectionAGrp/PersonNm5Michelle Brazier
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IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01040164
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02392330
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd01
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessorInd01
IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0Cash/cash equivalents, notes, loans, receivables, deferred charges, prepaid expenses, land building and equipment
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0Spire Credit Union
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02021-11-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0410585825
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt010777918
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501 (C) (14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0Book Value
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt02025 Larpenteur Ave W
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0Falcon Heights
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd055113
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd00
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0Becky Lindman, previous manager of Midland Co-op Credit Union: currently employed by Spire in the accounting department.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule N, Part I, Line 2
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Classes of members or stockholder , the association has members, most of whom are former employees and their family member of a former cooperative
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Election of members and their rights by ballot, written notice is mailed or handed to each member at least 10 days prior to the annual meeting where the results are reported.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Decision subject to approval of members, decisions requiring approval by members include election of Board Members and Supervisory Committee, any amendments of the certificate of the organization and any proposed changes to the by laws
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The 990 is completed by the staff using the financial reports review and approved by the Board of Directors and Supervisory Committee at Monthly Board Meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Enforcement of the Conflict of Interest Policy is completed and signed by all Board Members, Committee Members and Employees annually. The policy is reviewed annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation process for top officials is reviewed annually by the personnel committee which consists of two Board Members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The financial statements are posted in the lobby and are available on line by the NCUA. The quarterly report 5300 is open to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7$865,782 transferred to Spire Credit Union in addition to $134,898 member patronage paid to membership
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MN
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt010757852
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt010757852
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0273148
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09717688
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt09717688
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01040164
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt015155
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0202153
IRS990/TotalReportableCompFromOrgAmt058582
IRS990/TotalRevenueGrp/ExclusionAmt031511
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0202153
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0233664
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010757852
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05210 Central Ave NE Suite 200
IRS990/USAddress/CityNm0Minneapolis
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055421
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.midlandcoopcu.com
IRS990/WhistleblowerPolicyInd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Rebecca Lindman
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum07635721368
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-02-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MIDLAND CO-OP CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MIDL
ReturnHeader/Filer/EIN0410764721
ReturnHeader/Filer/PhoneNum07635721368
ReturnHeader/Filer/USAddress/AddressLine1Txt05210 Central Ave NE Suite 200
ReturnHeader/Filer/USAddress/CityNm0Minneapolis
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055421
ReturnHeader/ReturnTs02022-02-22T14:44:56-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-10-31
ReturnHeader/TaxYr02021

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